Been reading up and seen how to do it under license from OFT, but don't see anywhere about 6 years on credit reference files,

Where in UK Law does it state that a 3rd Party outside of a contract can hold information on my credit history for a set amount of time (6 years), my contract with my creditors has been terminated so want right does the 3rd party have to hold my data protection information for this period of time ? ...if so does that mean I can hold a publish your own credit history and call myself a credit agency ?

Long story Short, got turned down for a loan and Harrington Brooks contacted me saying "new government legislation" saying to help debt ladened people over £15,000 could get debt frozen and pay off interest free, basically they got my credit cards defaulted and now Im screwed. As of last month I am clear of all debt, but I still have 3 Defaults on my credit file, 1 of which was sold to Cabot and they recorded the default too ie. 1 + 1 = 3. Now looking at my contract to one of the credit cards in the "data protection act notice" it says that they can share info with credit agencies (equifax, experian, callcredit). My questions are if my contract has been terminated (monies owed paid off) then why is my credit information still with a third party organization ? Where in UK law does it state that they are allowed to hold this information for 6 years ? Ive looked through the Limitations Act 1980, and not seen anything, where in UK law does it state the CRA can hold information that is defamatory to me on record ?

It can take credit agencies months to get rid of their error's I'd raise a on-line complaint (credit agency) to get it looked into, but if can take up-to a month, its great that companies pay credit agencies and so do we for the information, so who is the client ?

If you can apply for it and your credit is good, then get an consolidation loan and put all the debt to one loan

Firstly I think tipex would be good on your Name and Address also the reference number of your egg account details, because Im sure "they" look around here, also your giving anyone sinister enough information for ID fraud. (we can see through the pen) Delete your PDF's and try again

Might have to sell the car and give them their money

After trying to get loans to cover my expanding Credit Card debts, and failing. I was contacted by Fresh Start Finance, to help me manage my Debt, now I'm not knocking them as their monthly administration fee is much lower than my Credit Card interest, out of 3 Credit Cards they froze 2 of the accounts interest. After 3 month's the "frozen interest" accounts recorded to credit agencies that I had defaulted on my payments (even thou it was an arrangement to pay had been agreed) now one of the accounts Egg.com has "sold" the debt to Cabot Financial and now I am seeing on my credit file 3 defaulted status's, 2 for the same account. Shouldnt the Egg.com Account be closed and status updated to "paid" and "settled" & the Cabot account be not in default since it wasnt their debt agreement in the first place ? The Cabot Account is showing the file information from the Egg.com account ?? (personally I dont know why they bought it when they arnt getting any interest on the debt out of me ) **In 6 months time all debt will be gone **

My mate is about to start going for a claim against LloydsTSB, just looking through their account and looking at different charges, my question is which of these can be claimed against since some of the codes are vauge ie. FEE = Account Charge £5.00 DEB = Cash Charge £2.17 (why it's their money,even when in the account is in the black ?) CHG = UNPLANNED O/D FEES £30 Brit

join here Online Credit Report and Credit Check Services - Equifax and pay £14.00 for your credit file, see where the payments start and online at the site make a complaint, which the back has to rectify or explain its self, and will remove your bad credit history, or else you'll have it for 6 years

Ok one year on, since making the last post , Ive had the June 2008 letter informing me about "Overdraft Complaint - OFT v HBOS plc" and the stay, but since then I stopped, but since in last few days they've got another extension Im getting a bit threaders with it, so can I procced straight to court stage even thou all that time has passed ?

"However, whichever side loses is expected to appeal, possibly all the way to the House of Lords, meaning the issue may not be resolved until next year." So get those County court claims in to get your foot in the door !

After reading today about the banks trying to get out on stays, I'll be pressing on, specially after christmas break

Sky News Update; Future Of High Street Banking In Balance In High Court |Sky News|Business It is expected that the case, already transferred to bigger premises at the International Dispute Resolution Centre in Fleet Street, will last until Easter, but most parties believe that given the huge importance of the outcome, it will go all the way to the House of Lords. window.onload = function() { checkjs();}

And again....... The Office of Fair Trading: OFT case to commence tomorrow